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About Jo-Ann M Humphrey

Jo-Ann is a U.S. military veteran of the Persian Gulf War whose career has been defined by service, precision, and protecting others when it matters most. After serving in combat, she built a distinguished professional foundation as a Certified Public Accountant (CPA) running a practice and serving in various government positions, developing deep expertise in financial strategy, risk assessment, and compliance—skills that require accuracy, integrity, and accountability.

Her commitment to community continues through her volunteer work with the Phoenix Police Department Motorist Assist Program, where she actively supports public safety and assists motorists in need—standing alongside first responders in real time, not just in words.

Today, Jo-Ann brings that same mission-first mindset to real estate and lending as a REALTORÂź and Mortgage Loan Officer, helping clients navigate one of the most significant financial decisions of their lives. With rare dual expertise, she aligns real estate strategy and financing from day one—anticipating challenges, reducing stress, and protecting outcomes from contract to closing.

Known for working intentionally with a limited number of clients at a time, Jo-Ann delivers focused attention, clear communication, and unwavering advocacy. Her approach is built on trust, transparency, and purpose—making her a natural choice for first responders, veterans, families, and anyone who values competence with heart.

Life is too short to leave big decisions of your home purchase or sale to chance.

Veteran. Detail-Driven. Always Ready to Serve.

  • Jo-Ann M Humphrey
  • Jo-Ann M Humphrey
  • Jo-Ann M Humphrey

THE REVIEWS ARE IN…

Direct Mortgage Loans place picture
4.9
Based on 199 reviews
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Barbara Turdo profile picture
Barbara Turdo
02:41 03 Jul 25
Thank you! Servando is very communicative, easy to get a hold of, can upload everything very easily to the site. There is also an app to use, but also very easy to get a hold of via email if needed.
isis ruiz profile picture
isis ruiz
20:42 23 Dec 24
Said Sabbagh the best of the best, very detailed explanation, he offer excellent rates , great service. I highly recommend him and this company
Jay Ray has consistently provided world class service and advice to my clients for 10 years. There is no one else I would refer my clients to. He’s always competitive with rates and most importantly does the right thing for the client without exception. Call him!
Jillian Smith profile picture
Jillian Smith
19:13 21 Jul 24
I had a positive experience working with Mike Jones. He was very thorough, and I received my pre-approval in the same day! Highly recommend Direct Mortgage Loans.
Jeff Imergoot profile picture
Jeff Imergoot
16:06 15 Jan 24
Jeff l profile picture
Jeff l
21:52 12 Jan 24
Excellent service and attention to all details. Surprisingly a stress free process. Will recommend all referrals. Jason definitely makes you feel like you are his only client and always available to answer questions. Made my experience beyond pleasant.
Meredith Heth profile picture
Meredith Heth
00:13 23 Dec 23
Katie Canar profile picture
Katie Canar
04:02 17 Dec 23
Always an excellent experience with top-notch service, excellent communication, and stellar customer service! I highly recommend The Canar Group for all of your lending needs!
Donna Wilkinson profile picture
Donna Wilkinson
22:38 06 Dec 23
Kristen Shipley at VIP mortgage is extremely knowledgeable and very very willing to go the extra mile for her clients!!
Tylesha Teruel profile picture
Tylesha Teruel
14:14 19 Oct 23
VIP mortgage has a gem! As a realtor I work with different lenders across the board and hands down Falon takes the cake. Her unwavering commitment to excellence shows through and through and I am grateful to have her as my preferred lending partner!!
Cindy L profile picture
Cindy L
21:20 09 Oct 23
I’ve worked with VIP mortgage previously and had good experiences, but Bryan and Maria with the Canar Group are what keeps me going back. I know when I work with them I can expect the best customer service, communication, and overall service and experience for myself and my clients. I know that no matter what issue arises (real estate is full of surprises), Bryan and his team make sure to take care of it. Thanks for your hard work!
Gema Beltran profile picture
Gema Beltran
14:47 30 Sep 23
Bryan and his team were amazing to work with. I was nervous about the entire home buying experience but after working with VIP Mortgage I can say that it was easy, quick, and a positive experience thanks to my team.
They were quick to respond with answers and solutions to any unexpected changes and I’m grateful for their hard work. I will be recommending them to all of my friends and family!
Keith Taylor profile picture
Keith Taylor
15:53 22 Sep 23
Sara was awesome! From the first time we sat down with her all the way through getting our keys, she was there for us. She took calls/texts/emails any time my wife and I had a question or concern, day and night, week days or weekends. She was extremely knowledgeable and professional every step of the way. I will be recommending her to everyone I know! Thank you so much for making our dreams a reality!!!
Michelle Lloyd profile picture
Michelle Lloyd
13:11 31 May 23
Communication was definitely at a high standard. I appreciate the building of teamwork right from the beginning. Jason and the team did a great job helping me bring the best possible value to my client's transaction. We were able to work out the best position for my client's offer. Everything went so smoothly. I will definitely be referring clients to Jason in the future.

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Want to Know More About the VA Home Loan Buying Process? 

We’ve created a complete VA home loan guide designed to support first-time and repeat VA buyers alike. From understanding VA interest rates and closing costs to property taxes, appraisals, and VA-specific benefits, this guide covers it all. If you’re even thinking about buying a home with a VA loan, these resources are a must-read.

Inside, you’ll find the insights real estate agents, VA-approved lenders, and industry professionals rely on; broken down in a clear, easy-to-follow way. We’ll cover topics like checking your credit, how VA loans compare to conventional and FHA options, estimating your monthly payment, choosing the right VA lender, understanding homeowners insurance, and what to expect at closing, and that’s just the start.

Buying a home with a VA loan doesn’t have to feel overwhelming. We’ll walk you through the VA home buying process step by step, making sure you’re confident, informed, and fully prepared every step of the way.

GO DIRECT

Why Go Direct with Direct Mortgage Loans?

Go Direct with Direct Mortgage Loans and partner with local experts who make the mortgage process seamless from start to finish. Our loan officers offer personalized guidance and use in-house processing and underwriting to deliver mortgage solutions tailored to your unique needs and financial goals. With clear communication and a team that truly cares, we make home financing simple and stress-free.

Whether you’re buying your first home, refinancing, or investing, we’re here to help you every step of the way. Discover what it means to Go Direct today, where experience, efficiency, and genuine care come together to make your homeownership goals a reality.

Jo AnnJo-Ann M Humphrey
Loan Originator | NMLS #2359404

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